#disabilityinsurance

[horan-wealth-management]

Retirement Meditation – Should my plan offer managed models?

In Retirement Meditation #16, we defined managed models and we concluded with the question – “Does my plan offer managed models?” This week’s Retirement Meditation asks whether a fiduciary should offer managed models in their participant-directed plan. Spoiler alert – It already may offer managed models, whether you realize it or not. A year ago, we were approached by a retirement plan committee to review their plan and propose our advisory services. The plan had never had an advisor, the committee preferring a bundled-recordkeeper-direct-approach.

Why the change of heart from the committee?

An employee had questioned why she was 100% invested in the plan’s cash equivalent option. The committee investigation revealed that the participant had been using the recordkeeper’s investment management services. The managed model algorithm had effectively placed her into full stability of balance mode because of several important factors including her age, her incredible retirement savings history, and her state of financial retirement preparedness. Many recordkeepers offer managed models, or the potential to provide managed models. While this can be a great thing, fiduciaries should be actively aware of the details in and around the managed model program.

Some of the starter questions:

Is the managed model the QDIA?

Is the managed model a backup QDIA, especially for participants who are entering the twilight of their career (translation: those aged 50 and older)?

Do participants actively choose a managed account program for themselves?

Is the managed model portfolio advised by an affiliate of the recordkeeper, by an outside third-party, or by the plan’s advisor?  

Are there glidepaths associated with the managed model portfolios? If yes, are they the correct glidepaths within DOL guidelines?

At the individual participant level, who decides which managed model portfolio is best and how is that decision arrived at?

What is the fee for the managed model and who is paying that fee?

Managed model portfolios are often a welcome addition to a participant-directed retirement plan. Just know that the retirement plan fiduciary should be as keenly aware of the nuances as with all other matters involving the plan. Which plan participants are using the managed model portfolios your plan is offering?

#employeebenefits #wealthmanagement #retirementplan #lifeinsurance #disabilityinsurance #healthinsurance #medicare #studentinsurance

[ajaymane1]

Insurance Planning Demystified: Guidance from BTW Financial Solutions Providers

Insurance planning is a vital component of financial security, yet many individuals find it confusing and overwhelming. From life insurance to health insurance to property and casualty insurance, there are numerous types of insurance policies available, each with its own complexities and considerations. At BTW Financial Services, our team of Solutions Providers specializes in demystifying insurance planning and providing clear guidance to help clients protect their assets and loved ones. In this guide, we'll explore insurance planning and share valuable insights and recommendations from our experts to help you make informed decisions about your insurance needs.

Understanding Insurance Planning

Insurance planning involves assessing your risks and determining the appropriate types and amounts of insurance coverage to protect against potential financial losses. It encompasses a range of insurance products, including life insurance, health insurance, disability insurance, long-term care insurance, and property and casualty insurance.

Assessing Insurance Needs

The first step in insurance planning is assessing your insurance needs based on your personal circumstances and financial goals. This includes evaluating your existing coverage, identifying potential gaps or deficiencies, and determining the appropriate types and levels of insurance coverage needed to adequately protect yourself and your assets.

Choosing the Right Policies

With so many insurance options available, choosing the right policies can be challenging. Our Solutions Providers at BTW Financial Services can help you navigate the various insurance products and select the ones that best meet your needs and objectives. Whether you're looking for basic coverage or more comprehensive protection, we can tailor a solution to fit your budget and lifestyle.

In conclusion, insurance planning is a critical aspect of financial security that should not be overlooked. With the guidance and expertise of BTW Financial Solutions Providers, you can navigate the complexities of insurance planning with confidence and peace of mind. Whether you're protecting your family, your health, or your assets, our team is here to help you find the right insurance solutions to meet your needs and goals. Contact us today to schedule a consultation and take the first step towards securing your financial future.

#InsurancePlanning #FinancialSolutions #BTWFinancial #InsuranceCoverage #RiskManagement #LifeInsurance #HealthInsurance #DisabilityInsurance #LongTermCare #PropertyInsurance

[insurancebrokerny]

Disability Insurance Protects You and Your Valuable Assets

Disability insurance is an excellent approach to assist your earning and financial standing if you develop diseases or suffer injuries. When you need more safety for your paycheck and want to continue the cash flow, you can talk to individual disability insurance brokers from Koba Capital. Unexpected things can happen anytime, and it might take away your power to continue working; disability insurance can now become a lifesaver.

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[yourfinanceacc]

Insuring Your Future - A Guide to Understanding Insurance and Different Types of Coverage!

Are you confused about insurance and the different types of coverage available to you? Do you want to make sure you're adequately protected against unforeseen circumstances that could impact your financial future? In this video, we'll provide you with a comprehensive guide to understanding insurance and the different types of coverage you may need. We'll start by explaining the importance of insurance and why it's essential for protecting your financial future. From there, we'll dive into the different types of insurance coverage, including life insurance, auto insurance, homeowners insurance, renters insurance, health insurance, disability insurance, liability insurance, and umbrella insurance. You'll learn about the key features of each type of insurance, the benefits they provide, and the potential risks you face if you don't have adequate coverage. We'll also share some tips and tricks for choosing the right insurance policies for your specific needs, as well as some best practices for managing your insurance and keeping your coverage up-to-date. Whether you're a young adult just starting out in life or a seasoned professional looking to protect your assets and investments, this video will provide you with the knowledge and insights you need to make informed decisions about your insurance coverage. So, sit back, relax, and join us as we explore the world of insurance and how it can help you secure your financial future.

#InsuranceGuide #InsuranceCoverage #InsuringYourFuture #TypesOfInsurance #LifeInsurance #AutoInsurance #HomeownersInsurance #RentersInsurance #HealthInsurance #DisabilityInsurance #LiabilityInsurance #UmbrellaInsurance #InsuranceTips #FinancialPlanning #RiskManagement #Youtube

[theblogarticle]

Disability Insurance(A-Z)- Explanation, Importance & 4+ Types

Disability insurance is a type of insurance that provides financial support to individuals who are unable to work due to a disability. It can help cover lost income and expenses related to the disability, such as medical bills. The coverage may be provided through an employer or purchased as an individual policy. It can be short-term or long-term, depending on the policy and the individual's needs.

Explanation of disability insurance

Disability insurance is a type of insurance that provides financial support to individuals who are unable to work due to a disability. This type of insurance typically replaces a portion of an individual's income while they are unable to work and can help cover expenses such as medical bills, housing costs, and basic living expenses. It is designed to protect individuals and their families from the financial consequences of a disability, which can be severe and long-lasting. Disability insurance can be purchased by individuals or provided by employers as a benefit.

Importance of having disability insurance

Protection against loss of income: Disability insurance provides financial support to individuals who are unable to work due to a disability. This can help cover expenses such as rent, mortgage payments, and other bills while they are unable to work. Maintaining independence: Disability insurance can help individuals maintain their independence by providing financial support to pay for necessary medical treatments and equipment. Peace of mind: Knowing that you have disability insurance can provide peace of mind, knowing that you will have financial support in the event of a disability. Protection against pre-existing conditions: Disability insurance policies often do not exclude pre-existing conditions, which means that individuals with pre-existing conditions can still receive benefits if they become disabled. Coverage for long-term disabilities: Disability insurance policies often provide coverage for long-term disabilities, which can be a significant financial burden for individuals without insurance. Coverage for mental health conditions: Many disability insurance policies also cover mental health conditions, which can be just as debilitating as physical conditions. Overall, having disability insurance can provide a safety net for individuals and families in the event of a disability, helping to protect against financial loss and allowing them to maintain independence and peace of mind.

Types of Disability Insurance

Short-term disability insurance: This type of insurance provides financial support for a short period of time, typically 3 to 6 months, in the event of an illness or injury that prevents an individual from working. Long-term disability insurance: This type of insurance provides financial support for a longer period of time, typically several years, in the event of an illness or injury that prevents an individual from working. Group disability insurance: This type of insurance is typically offered through an employer and provides coverage for all eligible employees. Individual disability insurance: This type of insurance is purchased by an individual and provides coverage for that specific person. Social Security Disability Insurance (SSDI): This type of insurance is provided by the government and is available to individuals who are unable to work due to a disability and meet certain eligibility requirements. Occupational disability insurance: This type of insurance provides coverage for individuals who are unable to work in their specific occupation due to a disability. Total and permanent disability insurance: This type of insurance provides coverage for individuals who are unable to work in any occupation due to a permanent disability.

How Disability Insurance Works

The policy typically provides a percentage of the individual's income, up to a certain amount, to help cover living expenses while they are unable to work. To qualify for disability insurance, an individual must meet certain criteria, such as being unable to perform the duties of their occupation due to a physical or mental impairment. The individual must also have been employed for a certain amount of time and have a regular income. The process for applying for disability insurance typically involves completing an application and providing medical documentation to prove the individual's disability. Once approved, the individual will receive regular payments from the insurance company to help cover living expenses. It's important to note that there are different types of disability insurance, such as short-term and long-term disability insurance. Short-term disability insurance typically provides coverage for a shorter period of time, such as a few months, while long-term disability insurance provides coverage for a longer period of time, such as several years. Overall, disability insurance provides financial support to individuals who are unable to work due to a disability and helps cover living expenses while they are unable to work.

How to Choose the Right Disability Insurance Policy

Determine your needs: Before choosing a disability insurance policy, it’s important to assess your financial needs and the potential impact that a disability could have on your income. Consider your current income, savings, and other sources of income you may have. Consider the length of the benefit period: Disability insurance policies typically offer benefit periods of two, five, or ten years, or for the duration of the disability. Choose a benefit period that aligns with your financial needs and the likelihood of your recovery. Look at the definition of disability: Different policies have different definitions of disability. Some policies will only pay benefits if you are completely unable to work, while others may pay benefits if you are only able to work in a limited capacity. Consider the waiting period: The waiting period is the amount of time you must wait before receiving benefits. Choose a policy with a waiting period that you can afford and that aligns with your financial needs. Compare costs: Compare the costs of different policies and consider the cost of the policy in relation to your financial needs. Review policy exclusions: Review the policy exclusions to ensure that the policy will cover the types of disability that you are most likely to experience. Consult with an insurance agent: Consult with an insurance agent to ensure that you understand the policy and that it meets your needs. They can also help you compare different policies and answer any questions you may have.

Conclusion

In conclusion, disability insurance is a crucial form of protection for individuals who rely on their income to support themselves and their families. It provides financial support in the event of an illness or injury that prevents an individual from working. Without disability insurance, many individuals would struggle to pay their bills and maintain their standard of living. It is important for individuals to understand the different types of disability insurance available, as well as the terms and conditions of the policies they choose. Ultimately, disability insurance is an essential part of a comprehensive financial plan and can provide peace of mind in the event of an unexpected illness or injury. Click to learn all about Insurance:- Health Insurance | Life Insurance | Auto Insurance | Home Insurance | Car Insurance | Renters Insurance

FAQs About Disability Insurance

What is disability insurance? Disability insurance is a type of insurance that provides financial support to individuals who are unable to work due to injury or illness. It helps to replace the lost income and can help with medical expenses. Who needs disability insurance? Anyone who relies on their income to support themselves or their family should consider disability insurance. This includes self-employed individuals, business owners, and employees. How does disability insurance work? Disability insurance policies typically pay a percentage of an individual's income if they are unable to work due to injury or illness. The policyholder will need to provide proof of the disability and may need to be evaluated by a medical professional. What types of disabilities are covered by disability insurance? Disability insurance policies typically cover a wide range of disabilities, including physical injuries, illnesses, and mental health conditions. Each policy is different, so it's important to read the fine print to understand what is covered. How much does disability insurance cost? The cost of disability insurance varies depending on factors such as the policyholder's age, occupation, and the amount of coverage desired. On average, policies can cost anywhere from 1-3% of an individual's income. How do I apply for disability insurance? The process for applying for disability insurance varies depending on the insurance provider. In general, it involves filling out an application, providing medical information and proof of income, and paying the premium. How long does it take to receive benefits from a disability insurance policy? The length of time it takes to receive benefits from a disability insurance policy varies depending on the insurance provider and the specific policy. Some policies may have a waiting period before benefits are paid, while others may pay out immediately. Can I still work while receiving disability benefits? This depends on the policy and the specific disability. Some policies may allow the policyholder to work part-time or in a different capacity while receiving benefits, while others may require the individual to be completely unable to work. Can I purchase disability insurance if I already have a pre-existing condition? It depends on the insurance provider and the specific policy. Some providers may not cover pre-existing conditions, while others may have exclusions or limitations on coverage for certain conditions. It is important to disclose any pre-existing conditions when applying for disability insurance. Can I purchase disability insurance as a self-employed individual? Yes, self-employed individuals can purchase disability insurance. Some providers offer policies specifically for self-employed individuals, while others offer policies for the general public. Can I purchase disability insurance as a business owner? Yes, business owners can purchase disability insurance for themselves and their employees. Some providers offer group disability insurance policies for businesses, which can provide coverage for multiple employees at a discounted rate. Can I purchase disability insurance for a specific period of time? Yes, some providers offer short-term disability insurance policies, which provide coverage for a specific period of time, usually up to a year. Other providers offer long-term disability insurance policies, which provide coverage for a longer period of time, usually until retirement age. Can I cancel my disability insurance policy if I no longer need it? Yes, most disability insurance policies are cancelable. Policyholders should review the terms of their policy and speak with their insurance provider to understand the process for canceling a policy. Read the full article

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[rickygadvisor]

What are my chances? 1. Nearly 50% of all individuals 35 or younger will be disabled for 90 days or longer prior to age 65. -Source: 1985 Commissioners Individual Disability Table A, as reported in "Best's Policy Reports," February 1999 2. Approximately 30% of all people age 35 - 65 will suffer a disability for at least 90 days, and about 1 in 7 can expect to become disabled for 5 years or more. -Source: Health Insurance Association of America; The New York Times, February 2000; As published in The JHA Disability Fact Book, 2003 Edition 3. Consider the odds...During your working years it is more likely you will face a disability than die. In fact, at no age is the risk of death greater than the risk of becoming disabled. For a male, age 35, the odds are nearly 2 to 1; for a female, age 35, almost 3 to 1. Contact us today. We will make sure you understand your needs, but more importantly, how to handle and mitigate your risk! More information 📱1-954-601-9555 #disabilityinsurance #networth #wealthbuilding #buildalegacy #businessleaders #cofounders #businessuk #privateequity #humanresourcesmanagement #employeebenefits #lunchandlearn #employee #mentors #letushelp #helpinghands #staffingsolutions #workerscomp #shrm #businesstaxes #taxpreparer #wecanhelp #funding #personalinjurylaw #helpingfamilies #payoffdebt #creditgoals #freewebinar #disabilityincomeinsurance #disabilityinsurancefacts (at Pinnacle Financial Group, Inc.) https://www.instagram.com/p/CnRbaEpOOD1/?igshid=NGJjMDIxMWI=

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[wendyschultzlifelessons]

Hodgkin’s Lymphoma:  The Biggest Life Lesson of Them All

Hodgkin’s Lymphoma:  The Biggest Life Lesson of Them All

In January 2022, I was diagnosed with stage IV Hodgkin’s Lymphoma.  I had gone to my family doctor in December 2021 with symptoms that weren’t “worrisome” at the time, but triggered a series of tests which led to the eventual diagnosis of lymphoma.  It was a complete shock.  I didn’t have any of the risk factors for lymphoma, but somehow the universe decided that I needed a significant challenge…

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[coinkurrynews]

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[wealth-management-horan-columbus]

Wealth Management by HORAN

As a HORAN client, your wealth strategy is informed by dedicated, experienced individuals that go the extra mile to ensure the approach is the right one to meet your needs. Our team of credentialed and ethical advisors, with extensive investment and portfolio management experience and expertise, serve ultra-high net worth to mass affluent individuals, as well as corporate and institutional clients. 

To learn more for our different services please Click Here

#employeebenefits #wealthmanagement #retirement planning #life insurance #disabilityinsurance #health insurance #medicare #studentinsurance

[mtbcleadgenbuzz]

You don't have to face critical illnesses alone. Our insurance plan is here to provide the support you need. 👋 Hey there! Are you worried about facing critical illnesses alone? 😔 Don't stress! Vancouver Living Benefits Advisor has got your back! 😎 With our comprehensive insurance coverage, you can get the financial security and peace of mind you need in case of unexpected illness or disability. 💪 From Life, Health, and Disability Insurance to Final Expense Insurance, we've got you covered! 😇 Our team of experts understands that every person and family has unique needs and concerns, so we take the time to listen and develop a personalized plan that meets your goals and provides the protection you need. 🤝 At Vancouver Living Benefits Advisor, we are dedicated to helping our clients navigate the insurance world and providing them with peace of mind that they are protected in any situation. 💚 #LivingBenefitsInsurance #FamilyProtection #FinancialSecurity #InsuranceCoverage #PeaceOfMind #VancouverLivingBenefitsAdvisor #ExpertAdvice #PersonalizedPlan #ComprehensiveCoverage #WesternCanada #DedicatedToHelpingYou #YouAreNotAlone #CriticalIllnesses #UnexpectedIllnesses #DisabilityInsurance #FinalExpenseInsurance #LifeInsurance #HealthInsurance #CaringCustomerService #WeAreHereForYou #ProtectYourFuture #InsuranceWorld #IndustryLeader HAROLD YANG VANCOUVER LIVING BENEFITS ADVISOR https://GoldenLightFinancial.com [email protected] 604-240-0011

[creditmoney]

"Insurance is more than just a policy - it's a safety net that ensures your financial stability and helps you plan for the future. Whether it's protecting your home, your car, your health, or your loved ones, we're here to provide you with the personalized coverage you need to face life's challenges with confidence." Know more visit - https://creditmoney.co.in/ Mail us - [email protected] Call or WhatsApp - [phone] #insurance #protectyourassets #insureyourlife #creditmoney #creditmoney11 #safetyfirst #peaceofmind #insuranceagent #coverageforall #trustinginsurance #affordableinsurance #insurancequote #insurancereview #insurancetips #insuranceadvice #homeinsurance #autoinsurance #healthinsurance #lifeinsurance #businessinsurance #travelinsurance #floodinsurance #disabilityinsurance #umbrellainsurance #boatinsurance #motorcycleinsurance #insuranceclaim #realestateinsurance #commercialinsurance #personalinsurance

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[wescaninsurancebrokersinc]

Wescan Insurance Brokers Inc. is the best choice in Calgary, Alberta. We’re committed to providing our clients with exceptional service. Our team of experts will work hard to find the right coverage at the right price for your business and employees. When it comes to small business health insurance Alberta, we are here for you!

Wescan Insurance Brokers Inc. 600 Crowfoot Crescent NW, Suite 340, Calgary, AB T3G 0B4 (403) 903–2898

My Official Website: https://wescaninsurance.ca/ Google Plus Listing: https://www.google.com/maps?cid=5041880314198665103

Our Other Links: employee benefits Calgary: https://wescaninsurance.ca/employee-benefits/ disability insurance Alberta: https://wescaninsurance.ca/disabilityinsurance/

Service We Offer:

group insurance small business health insurance medium business health insurance large business health insurance Group Retirement Services

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[rambavanari]

Protect what matters most 905-906-7000 [email protected] www.UnitedLife.ca #lifeinsurance #disabilityinsurance #travelinsurance #visitorinsurance #supervisainsurance #criticalillness #dentalinsurance #rrsp #resp #tfsa #healthinsurance

[prahimofficial]

A Term plan with Premium Return Option

Send me a message or Call today

If you have Question Ask us : 0120-2790491, 0120-2790490

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[gordillolawfirm]

When purchasing insurance, work with a knowledgeable insurance agent to help you choose the right policy.

Disability insurance comes with a huge array of different options and types of coverage. But there are two main types of disability insurance: short-term disability coverage and long-term disability coverage.

1. Short-Term Disability Insurance - It normally lasts between 3 to 6 months and sometimes up to a year or more. It covers about 60% to 80% of your monthly gross income. Your premiums range from 1% to 3% of your annual income.

2. Long-Term Disability Insurance - It can pay benefits for a few years or until your disability ends, even when you reach retirement age. Most policies cover 40% to 60% of your monthly gross income. These policies also cost 1% to 3% of your yearly income, but based on their benefits; they tend to be more cost-effective in the long run.

Remember that even the best long-term disability policies only pay a percentage of your income, so make sure to have enough savings to cover the difference. . . . . . #disabilityinsurance #disabilityinsurancecoverage #shorttermdisabilityinsurance #longtermdisabilityinsurance #insurance #disability #purchasinginsurancetips #insurancetips #lasvegasestateplanning #lasvegasmoms #lasvegasdads #lasvegasfamilies #lasvegaslawyer #lasvegaslawfirm #estateplanningattorney #greggordillo #gordillolawfirm

[supersingh-sbs]

Your job, in your work and in life, is to be of service to others. Yes, we all need to make money, but let being of service be the core and your driving force. Don’t use people as a means to a better ends for you. Be the one to provide the means to the better end for others. I assure you, if you do that, there is no limit on the success and riches you can experience, in this life and the next. Your mindset should not be for selling, it should be for serving 💼📱💻⌚️🖥🖱⌨️🏦💵📑📊📘🗂🖋🍎 “Life is about the choices we make.” SBS 👉🏽What gets scheduled ✍🏽🖌📆 ... gets done✅ - Michael Hyatt Have a productive day! Namaste 🙏🏽 🕉🇺🇸 Shawn B. Singh | Financial Professional Retirement, Pensions, Estate Planning & Life and Disability Income Specialist Financial Representative of The Guardian Life Insurance Company of America (Guardian), New York, NY. Forest Hills Financial Group is not an affiliate or subsidiary of Guardian. Guardian, its subsidiaries, financial representatives and employees do not provide tax, legal, or accounting advise. Consult your tax, legal or accounting professional regarding your individual situation. Disability Income Insurance are underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY. Products not available in all states. Product provisions and features may vary from state to state. Neither Guardian nor its subsidiaries issue Group Health Insurance. The Living Balance Sheet® and The Living Balance Sheet® Logo are registered service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY. © Copyright 2005-2018 Guardian. #livingconfidently #livingbalancesheet #workfromhome #everydeservesaguardian #financialprofessional #fhfg #naifaproud #naifa #fullfocusplanner #financialplanningassociation #zoom #apple #hope #choices #action #superagent #superman #montblanc #timberland #apple #landrover #fieldunderwriting #fieldservice #disabilityincomeprotection #disabilityinsurance #incomeprotection #omnamahshivaya #montblanc #coach #timberland #supersinghs🙏🏽🕉🇺🇸 (at Park Lane South, Forest Park) https://www.instagram.com/p/ChSClfjLFUin6_btEUhHXMwtnRDrVp3kBD99QU0/?igshid=NGJjMDIxMWI=

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